Self-employed and freelancers
No employer plan to fall back on, and a public form that was not built for how you earn.
Small business owners
Small business health insurance in Arizona
Covering yourself and covering the people who work for you are two different problems. Most owners try to solve them at the same time, with no HR department and no spare hours. Here is how to make it tractable.
- No HR department needed
- Free, no obligation
- Owner and team
Start with yourself, then the team
It is the smaller problem and it is solvable quickly.
No cost
The conversation and the quote are free
Plain language
No jargon and no HR-speak
Independent
Not tied to one company's products
One contact
You deal with me, not a service desk
Owners usually approach this in the wrong order: they start by designing something for the team, get overwhelmed by the cost and the admin, park the whole thing, and end another year personally underinsured.
Who this is for
Who this is for.
- Owners with a small number of employees
- Businesses with seasonal or variable headcount
- Owners who are not properly covered themselves
- Anyone losing good people over benefits
- Businesses that have never offered coverage
- Owners who want the arithmetic before deciding
Start with yourself, then the team
Owners often do this in the wrong order. They start by trying to design something for the team, get overwhelmed by the cost and the admin, park the whole thing, and end up another year with the owner personally underinsured.
Solving your own coverage first is not selfish, it is sequencing. It is the smaller problem, it is solvable quickly, and once it is done you can look at the team question without the pressure of your own situation being unresolved underneath it.
If you are the only person in the business, the self-employed page covers your situation more directly.
What offering coverage actually involves
There is a genuine spread between doing nothing, contributing something toward what your people arrange themselves, and sponsoring group coverage. They differ substantially in cost, in administrative burden, and in what they do for recruitment and retention.
The right answer depends on you: how many people, how stable the headcount is, what your margins tolerate, and how much administration you want to own.
I will not give you a number over the internet. I will walk you through the realistic options for a business your size, with the trade-offs of each laid out plainly.
The retention question owners underrate
Owners tend to treat coverage purely as a cost. For many employees it decides whether they stay, and replacing a trained person is rarely cheaper than the contribution.
That does not mean every business should sponsor a plan. Plenty should not, and I will say so. It means the decision deserves to be made on the full picture rather than on the premium alone.
Either way, you should not be making it by reading a government website at eleven at night, which is how most owners currently attempt it.
How I approach it
What determines the answer for your business.
- 01
How many people, and how stable
Headcount and turnover change which options are realistic more than almost anything else.
- 02
What your margins genuinely tolerate
An honest ceiling up front saves working through options that were never going to happen.
- 03
How much admin you will actually own
A structure nobody has time to run is worse than a simpler one that gets maintained.
- 04
Whether you are covered yourself
If the answer is no or not properly, start there.
“Solving your own coverage first is not selfish, it is sequencing. It is the smaller problem and it is solvable quickly.”
Want to know what you would actually pay?
The quote is free and there is no obligation to enroll.
Compare
Parking the decision versus making it.
Working it out alone at 11pm
- A government website and no one to ask
- Cost treated as the only variable
- The owner left uncovered another year
- Good people lost without knowing why
With me
- The realistic options for your size and shape
- Cost, admin burden and retention all costed
- Your own coverage solved first, quickly
- A straight answer about your situation
Questions
Answered plainly.
- How many employees do I need before I can offer health insurance?
- Smaller than most owners assume, and there are also routes that do not involve sponsoring a group plan at all. The number is not really the gate; what your business can sustain and administer is. Worth a short conversation.
- Am I required to offer health insurance to my employees?
- Requirements depend on the size and structure of your business, and a general answer off the internet is risky here. Tell me your situation and I will give you a straight answer.
- Can I cover myself through my business?
- Often yes, and how it is structured matters. This is one of the more common reasons Arizona owners call me.
- What does it cost to talk to you about this?
- Nothing. The conversation and the quote are free, with no obligation.
Retention
Replacing a trained person is rarely cheaper than the contribution would have been.
Coverage gets evaluated as a cost line, which is understandable and incomplete. That does not mean every business should sponsor a plan. It means the decision deserves the full picture, not just the premium.
How it goes
Three steps, no pressure at any of them.
Step 1
We talk
Call me, or send the quote form. We go over who needs covering, what you spend now, and which doctors or prescriptions you want to keep.
Step 2
I build your shortlist
I compare what is genuinely available to you, including options that are not listed on public marketplaces, and bring back the ones that fit.
Step 3
You decide, I stay
You pick the plan you understand and want. I handle the enrollment, and I am still the person you call when something changes.
More ways I can help
Other people I work with.
If your coverage does not come from an employer, one of these is probably closer to your situation.
Health insurance in Phoenix
Independent advice for anyone in the metro whose coverage does not come from an employer.
Individuals and families under 65
Whether this is your first policy or your fifth, you should understand what you are buying.
Free and no obligation
Let’s find the plan that actually fits.
The quote is free, there is no obligation, and you will be talking to me. If what you already have is the better deal, I will tell you so.
Call now for a free quote
480-997-1810Book a 30 minute call
Pick a time that suits you and I will call you then. No sales script. Or email me at [email protected].